How We Get Paid
We believe you should know exactly how we make money — and why it doesn't affect the advice you receive.
What We Do
Let Us Check advisors work with you to understand your health cover needs, compare options from our panel of health funds, and recommend a policy that fits your situation and budget. The service is completely free to use.
How We're Paid
If you decide to take out a policy we recommend, Let Us Check receives a commission from the health fund. This fee is paid by the fund — not by you. Commissions may include an upfront payment made when your policy commences and, in some cases, a trailing commission is payable.
Does This Affect Your Premium?
No. Australian private health insurance is community rated under the Private Health Insurance Act 2007. This means every insurer must charge the same premium for the same policy, regardless of where you purchase it. Buying through Let Us Check costs you exactly the same as going direct to the fund. We have no ability to mark up premiums and we do not do so.
Do Our Agents Know the Fee?
Individual advisers are not provided with specific commission amounts for each fund or policy. This is a deliberate design choice — it ensures their recommendation is based entirely on your needs, not on what we earn. If you want to know the commission applicable to any fund or policy, you can ask us directly at luke@letuscheck.com.au and Let Us Check management will provide that information openly.
What This Means for You
- You pay the same premium as going direct
- Our agents have no reason to push a particular fund
- You receive independent, needs-based advice
- There are no hidden fees or charges from us
- The fund pays us — after you're covered
Our Panel of Funds
We do not yet hold distribution agreements with any health fund. As distribution agreements are finalised, our approved fund panel will be published here. Not all funds operating in Australia will be included in our comparison, and not all products of any fund we hold a distribution agreement with will be compared and/or available.
Higher Commission Disclosure
You are entitled to ask at any time whether a particular fund or policy pays Let Us Check a higher commission than others being compared. We will answer this question openly and honestly. You can ask by emailing luke@letuscheck.com.au or by asking your adviser to refer the question to Let Us Check management. Our recommendation is always based on your needs — not on what we earn.
Have a question about how we work?
Email luke@letuscheck.com.au — we're happy to explain in plain English.